Permata
Permata Bank is a BUKU IV bank in Indonesia, serving nearly four million customers across 62 cities, which has 304 branch offices and two mobile branches. Permata Bank offers a complete suite of banking products and services including current and savings accounts, time deposits, mutual funds, bonds, personal loans, credit card and mortgage for retail customers. It also offers digital innovation in the form of Permata QR Merchant, QR Pay, and Internet banking via Permata Net and Permata API.
Properties
The following table lists the product properties of Permata:
Payment method category | Bank transfer | ||
Acquirer | AlipaySG (B15), AlipayUS | Acquiring region | SG, AU, HK, US |
Payment flow | Redirect | Checkout Payment | ✔️ |
Buyer country/region | Indonesia | Auto Debit | ❌ |
Fund deducted | Real-time | Refund | ✔️ |
Processing currency | IDR | Partial refund | ✔️ |
Minimum payment amount | 10,000 IDR | Chargeback/Dispute | ❌ |
Maximum payment amount | 100 million IDR | Refund period | 365 days |
User experience
The following figure shows the journey of paying with Permata:
Figure 1. Payment process with Permata